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Auto Insurance

Types of Auto Insurance

One Policy Doesn’t Fit All

When it comes to car insurance, drivers should consider a smorgasbord of possibilities. While one type of auto insurance policy may cover a single aspect, another type protects you from numerous others.

Before sitting down with an agent, understand the types of auto insurance coverage available:

  • Collision: when you are at fault in an accident, you need liability to cover the people you’ve hit. However, liability coverage alone won’t cover the damage to your car
  • Bodily injury liability (BIL): covers the medical expenses of anyone injured in an accident that you caused. Often bodily injury liability policies are described as the 20/50 or a 100/300 policy – the number on the left is the maximum amount the policy will pay for one person’s injuries and the number on the right is the total amount the policy will pay for all injuries total.
  • Property damage liability: if you caused the accident, this policy pays for any damage done to the vehicle
  • Uninsured/underinsured motorist coverage: pays for costs in the event you are hit by a motorist who is either uninsured or underinsured
  • Comprehensive Car Insurance: coverage if your car is stolen or damaged (not due to an accident)

Although the list may look dizzying, an experienced auto insurance agent can help you cut through the clutter.

Ask for more information about auto insurance policies and request a quote online. Call Nowell Agency at one of our 7 locations.

How Much Auto Insurance Do You Need?

While no driver wants to be underinsured, no one wants to pay more than they have to either. Auto insurance experts recommend that you make sure you are covered for an equal amount of your total assets (add up the dollar values of your home, car, savings and investments). Additionally all drivers should consider carrying specific types of auto insurance coverage:

  • Because you can’t control whether an uninsured or underinsured motorist hits you, consider adding underinsured/uninsured coverage to cover possible costs
  • Collision and comprehensive coverage is vital for any vehicle owner particularly considering the cost of vehicles these days

Visit with a friendly auto insurance agent at Nowell Agency for a customized car insurance policy to meet your specific needs, especially when it comes to finding the most affordable auto insurance policies.

Contact the Nowell Agency to customize an auto insurance quote for you or call us at 601-992-4444 today.


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    The Nowell Agency has been my primary agent for many years and they are attentive, well-staffed, and easy to talk to. Their agency has helped me through state to state moves and career change and kept my assets covered.

    James G.

    My very first insurance experience was when I bought my first house and I called the Nowell agency for a quote. I had no idea what I needed or how much and they were so very kind and knowledgeable and explained everything to me in detail which I so much appreciated. That has been 4 years ago and im still a customer never plan to leave.

    Ashleigh D.

    I have been very pleased with the quick and professional service by the Nowell agency. My agent was very efficient at locating a policy that met my needs and budget. Thank you to Kristy and the Nowell agency for providing me with fantastic customer service. I highly recommend this agency. You will not be disappointed.

    Tripp W.


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